Gilberts ERISA Appeals

Gilberts ERISA Appeals

When dealing with unexpected issues impacting your health or that of family members, insurance helps ensure you get the care you deserve and offsets out of pocket expenses. Unfortunately, too many people are surprised when the insurance company denies or disputes the claim. If benefits are provided through an employer-sponsored plan, they are likely subject to complex federal statutes that govern the appeals process. At the Law Offices of Michael Bartolic, our Gilberts ERISA appeals lawyers provide the trusted guidance you need in these cases, acting as a strong legal advocate on your side.  

Dealing With a Denied Claim

When insurance fails to cover medical conditions or refuses to compensate you for long term disability, it can drain your life savings while jeopardizing the overall health and well-being of you and your family members. Unfortunately, the American Association of Retired People (AARP) report that more than 200 million people are denied coverage from employer-sponsored benefit plans each year.

Insurance companies are a for-profit business and like any company, their bottom line is profits. One way to protect this bottom line is reducing the amount they pay out in claims. Reasons they may either deny or dispute your right to benefits include:

• Claiming your condition is not covered by the policy;
• Disputing whether your policy was in effect at the time your claim was filed;
• Disputing the circumstances surrounding the claim;
• Claiming that you failed to follow the proper procedures.

Filing an ERISA Appeal

The U.S. Department of Labor (DOL) advises that in most cases involving employer-sponsored health plans and disability benefits, your options in disputing a denied insurance claim are limited under the Employee Retirement Income Security Act (ERISA). While ERISA does offer certain protections to workers, the appeals procedure can be confusing and complex.

For this reason, it is important to have an experienced Gilberts ERISA appeals lawyer on your side. At Bartolic Law, we can guide you through the steps you need to follow, both in filing a claim and an ERISA appeal. These include:

• Reviewing terms of coverage and claims procedures;
• Reviewing your claims file and any communications you have received from your employer or their insurer;
• Formally requesting an appeal and making sure any required information or documents are submitted within the appropriate deadlines;
• Gathering evidence and making effective legal arguments so that you get the benefits you deserve.  

Request a Consultation With Our Gilberts ERISA Appeals Lawyers Today

When dealing with a denied claim, Bartolic Law provides the aggressive legal representation need to protect your rights. To discuss your case with our Gilberts ERISA appeals lawyer, call or contact our office online today and request a free consultation.